Not so at all! When paying down CC debt, the quicker the better.
from what i've seen, you should take a minimum of 6 months to pay down an account if you can. it has a FAR greater impact on your scores than paying in one lump sum.
As I understand it, FICO is just a snapshot and shows what your balances and credit limits and baddies are at that very moment, so the closer to 1%, the better. I know what you mean about the simulator--I've seen it too--maybe what it means is that if you keep up the habit of paying almost all the way off, each month after month on any account, the scores will be even higher. But then each report is not a snapshot, hmmm.....Tuscani and fused, help! If the scores are snapshots, how does FICO know about a pattern of regular payments, other than there are no 30's littering up the place? Either it is, or it isn't, looking at what's going on that very moment! aaarghhhh